Commercial Credit Analyst jobs in Idaho
Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
Recently Added Commercial Credit Analyst jobs
Commercial Banking Credit Analyst / Assistant Relationship Manager
- Northwest Bank
-
Nampa, ID
FULL_TIME
-
About Northwest Bank
Northwest Bank serves the business and professional communities of Idaho, Oregon, Washington, and Utah. We were founded in 2008 with the belief that banks should partner with their customers to find creative financial solutions that work.
In order to achieve that goal, we need experienced Assistant Relationship Managers on our team. People who share our vision and values, know their customers and work tirelessly to deliver successful financial solutions.
Job Overview
Located in Nampa, Idaho, the Assistant Relationship Manager (ARM) supports Relationship Managers (RMs) as a member of the client-facing production team. The ARM conducts credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and plays a pivotal role in supporting a designated Relationship Manager (RM) to service existing clients and business development for new clients.
Essential Duties & Responsibilities- Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
- Investigate, interpret and analyze credit reports
- Develop key discussion points and questions to assist in analyzing loan opportunities
- Support the Relationship Managers (RMs) and Loan Administrators to close loans
- Spread and analyze financial statements and information to evaluate existing and projected company cash flow
- Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
- Review independent appraisal and collateral exam reports
- Develop list of key information necessary to support the loan approval process
- Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval
- Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate
- Assist in monitoring loans through timely collection of financial information / tickler management
- Create and maintain customer files within defined bank standards
- Attend customer meetings and provide written summary in underwriting and evaluating risk
- Connect with loan applicants to ensure loan packages are complete
- Participate in Credit Training to remain current on standards and expectations
- Review portfolio reports to be informed of work flow, maturing loans (early identification of need for loan extensions), covenant compliance, etc
- Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM
- Support collection of past due accounts
- Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients
- Assist with customer calls and marketing efforts
- Maintain knowledge of and compliance with banking regulations
- Bachelor’s degree in Business, Accounting, Finance, or related area; or equivalent work experience
- Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending
- Relevant experience with direct client interaction with businesses providing support related to financial services
- Experience with financial analysis software such as Moodys and Bukers
- Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects
- Thorough understanding of business cash flow and differing legal business structures
- Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical
- Basic knowledge of risk analysis, economics, accounting, and finance practice
- Strong relationship-building skills with demonstrated attributes that support a team-based environment
- Thorough knowledge of lending policies and procedures preferred
- Effective oral and written communication and time management skills
- Basic knowledge of deposit and cash management banking products used by lower middle-market companies
- Competitive Compensation Package
- Medical, Dental, and Vision
- Health Savings Account (HSA)
- Flexible Spending Accounts (FSA)
- 401(k) plan with company match
- Generous PTO & Holidays
DscgnPKecc - 19 Days Ago
Credit Analyst
- J.R. Simplot Company
-
Boise, ID
FULL_TIME
- Location:Boise, ID, US, 83702-6924The J.R. Simplot Company is a diverse, privately held global food and agriculture company headquartered in Boise, Idaho. We are a true farm-to-table company with an i...
- 8 Days Ago
Credit Analyst
- THE BANK OF COMMERCE
-
Idaho Falls, ID
OTHER
- Job Details Job Location: Downtown - Idaho Falls, ID Position Type: Full Time Education Level: High School Salary Range: Undisclosed Travel Percentage: None Job Shift: Day Job Category: Banking Descri...
- 9 Days Ago
Credit Analyst
- Simplot
-
Boise, ID
FULL_TIME
- The J.R. Simplot Company is a diverse, privately held global food and agriculture company headquartered in Boise, Idaho. We are a true farm-to-table company with an integrated portfolio including food...
- 2 Months Ago
Commercial Loan Officer
- Frontier Credit Union
-
Idaho Falls, ID
FULL_TIME
- Join our Commercial Lending Team! Frontier Credit Union is seeking an experienced Commercial Lender in Southeast Idaho. The ideal candidate will be organized, a team and consensus builder, and one tha...
- 11 Days Ago
DNA Applications Analyst
- Idaho Central Credit Union
-
Chubbuck, ID
OTHER
- Overview The DNA Applications Analyst position requires the application of thoughtful analysis and independent judgment and is responsible for maintaining mission-critical systems directly uptime, sta...
- 4 Days Ago
Commercial Credit Analyst jobs at Popular Companies
Commercial Credit Analyst
- Ascendo Resources
-
- Our client is seeking a Commercial Credit Underwriter who will work primarily on credit analysis and underwriting of Mul...
- 6/10/2024 12:00:00 AM
Commercial Credit Analyst
- F&M Trust
-
Harrisburg, PA
- ABOUT THE ROLE F&M Trust is looking to hire an experienced Commercial Credit Analyst, which will be located at either ou...
- 6/9/2024 12:00:00 AM
Commercial Credit Analyst
- Monson Savings Bank
-
Wilbraham, MA
- If you're an experienced Commercial Credit Analyst interested in working for a local, community bank, then this is the p...
- 6/9/2024 12:00:00 AM
Commercial Credit Analyst
- Holman, Inc.
-
Mount Laurel, NJ
- Holman is a family-owned, global automotive services organization anchored by our deeply rooted core values and principl...
- 6/9/2024 12:00:00 AM
Dealer Commercial Credit Analyst
- Toyota Industries
-
Coppell, TX
- Job Description Who We Are: Based in Coppell, TX, Toyota Industries Commercial Finance (TICF) has over 200 associates an...
- 6/8/2024 12:00:00 AM
Commercial Credit Analyst II
- Maine Community Bank
-
Biddeford, ME
- Job Type Full-time Description Position Title: Commercial Credit Analyst II Department: Credit Administration Reports To...
- 6/8/2024 12:00:00 AM
Commercial Credit Analyst II
- Univest Financial Corporation
-
Souderton, PA
- Overview: Univest Financial Corporation (UVSP), has approximately $7.8 billion in assets and $4.7 billion in assets unde...
- 6/8/2024 12:00:00 AM
CRE Commercial Credit Analyst
- Selby Jennings
-
Indianapolis, IN
- Responsibilities: Specializes in analyzing CRE and multifamily loans. Reviews members other real estate related collater...
- 6/7/2024 12:00:00 AM
About Idaho
Idaho (/ˈaɪdəhoʊ/ (listen)) is a state in the northwestern region of the United States. It borders the state of Montana to the east and northeast, Wyoming to the east, Nevada and Utah to the south, and Washington and Oregon to the west. To the north, it shares a small portion of the Canadian border with the province of British Columbia. With a population of approximately 1.7 million and an area of 83,569 square miles (216,440 km2), Idaho is the 14th largest, the 12th least populous and the 7th least densely populated of the 50 U.S. states. The state's capital and largest city is Boise.
Idaho p...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$49,466 to $64,771
Most Popular Cities in Idaho for Commercial Credit Analyst Jobs
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